With the end of financial year fast approaching, a Rabobank Farm Management Deposit could put an extra wag in the tail of your business.

No doubt, like many farmers you worry about the impact seasonal variability can have on your year-to-year cash flow. With a Rabobank Farm Management Deposit you can trust that your surplus pre-tax income is safeguarded for when you need it most.

Plus 100% of Rabobank deposits are used to fund Australian agribusiness, supporting the livelihood of farmers and rural communities like yours.

A Rabobank Farm Management Deposit can help you make the most of your income, for more information or to open an account, simply call us on 1300 30 30 33.

optimise
your income

reduce
cash flow risk

build
a financial buffer

enjoy
tax benefits

support
Australian agribusiness

Reduce your cash flow risk

We’re a bank founded by farmers, so we know first-hand how cash flow can vary from year to year. Farm Management Deposits can help to smooth out the seasons by enabling you to set aside surplus pre-tax income from bumper years to help out in leaner times.

Enjoy tax benefits

Your investments in Farm Management Deposits are fully tax deductible in the year of deposit and only taxable in the year of withdrawal. This allows you to reduce your taxable income and reserve the funds for when they are needed most. (Deposits must be held for a minimum of 12 months to qualify for these tax benefits).

Build a financial buffer

A Rabobank Farm Management Deposit is like saving for a non-rainy day! By building a buffer, a Farm Management Deposit acts as an important risk management tool.

Support Australian agribusiness

By choosing a Rabobank Farm Management Deposit, you are supporting the livelihood of Australian farmers as 100% of Rabobank deposits are used to fund Australian agribusiness.

Zero transaction or account service fees

A Rabobank Farm Management Deposit has no transaction fees or service charges (government taxes may still apply).

... and your money is in safe hands

Your deposits are guaranteed by the Australian Federal Government’s Deposit Financial Claims Scheme1.

Rabobank FMDs are issued by Rabobank Australia Limited ABN 50 001 621 129 AFSL 234 700. Conditions and eligibility criteria apply to primary producers under the FMD Scheme. Any advice contained above is of a general nature only and has been prepared without taking into account your objectives, financial situation or needs. You should consider the relevant disclosure documents (available at our branches or at www.rabobank.com.au/downloads/) and whether an FMD is right for you before making any financial decisions. Any tax related information is general in nature. Rabobank recommends you ask your tax adviser or accountant about any taxation implications before investing in an FMD. Early termination fees and other fees and charges may apply.

1 Deposits are guaranteed by the Australian Federal Government’s Deposit Financial Claims Scheme, up to a combined cap of $250,000 per account holder per
Authorised Deposit-taking Institution.